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Articles about Interest Rates


Residential | November 2019 
Survive the Price Battles
This year has turned out to be a true bonanza for the majority of the mortgage industry — record volumes and higher earnings for originators than anyone could have anticipated during the first quarter...
By Dennis Black, CEO, Dennis Black and Associates

Residential | November 2019 
Grappling with Unintended Consequences
People in the mortgage origination business wrestle daily with regulations. There may be no industry that faces more government regulations than the mortgage business. Regulations add to the cost of l...
By Dick Lepre, senior loan adviser, RPM Mortgage

Residential | October 2019 
Viewpoint: Monetary Policy Should Embrace a 2.5% Mortgage Rate
Mortgage originators thrive on low interest rates. What could drive rates back down to or below where they were in 2016? Oddly enough, the answer is that the Federal Reserve might believe ...
By Dick Lepre, senior loan adviser, RPM Mortgage

Residential | July 2019 
Put This Mortgage Industry Truism to the Test
Key Points ...
By Hiroshi Hishida, owner, North Star Capital Management LLC

Residential | June 2019 
A Dose of Happy News Arrives for the Mortgage Industry
The Federal Reserve’s decision to hold benchmark interest rates steady, and a plunge in mortgage rates this past first quarter, could juice the housing market during this season’s buying and sel...
By Robert Greenberg, chief marketing officer, Patch of Land

Residential | May 2019 
Ease the Uphill Battle of Today’s Mortgage Market
It has so far proven to be a tough year for the mortgage industry. Between margin compression, fierce competition, high operating expenses, compliance requirements, regulatory challenges and...
By Dale Vermillion, president, Mortgage Champions

Commercial | May 2019 
Mine the Hard Money Landscape
Commercial mortgage brokers have many choices when searching for the right loan fit. The default choice may be to seek conventional financing. Hard money is another option, but navigating ...
By Ryan Walsh, managing partner, Hard Money Bankers

Commercial | March 2019 
Close More Loans by Becoming a FICO Master
FICO credit scores are used by most lenders to determine credit risk and the interest rate that borrowers will be charged. Your clients have three distinct FICO scores from each of the three credit bu...
By Lukas Bull, credit analyst, Prime Commercial Lending

Commercial | February 2019 
Economic Trends Favor the Multifamily Market
With a seemingly more hawkish Federal Reserve chairman, Jerome Powell, in place, coupled with a humming economy, many are anticipating a continued rise in interest rates. Some fear that will lead to h...
By Adam S. Finkel, co-founder, Tower Capital

Residential | February 2019 
Rising Debt Is the White Elephant Stalking the Economy
In 2018 we learned the extent to which mortgage rates can affect the amount of business mortgage originators do. Rates went up about 1 percentage point over the year, and refinance volume sank t...
By Dick Lepre, senior loan adviser, RPM Mortgage

Residential | February 2019 
It’s a Housing-Market Slowdown, Not a Bust
All things must pass. For five years now, the housing-market story has been a story of strong demand and limited supply. Now, demand has been abated by unrelenting price gains, higher mortgage ra...
By Ralph DeFranco, global chief economist of the mortgage group, Arch Capital Services Inc.

Residential | February 2019 
Tilt the Playing Field Your Way by Going Beyond Rates
Key Points Rising rates require a new approach to reach borrowers ...
By Tom Gillen, senior vice president of capital markets, Churchill Mortgage

Commercial | January 2019 
Step Into the Light
One of the biggest success stories in the real estate and mortgage industries since the  financial crisis is the rise of nonbank lenders all over the country. Sometimes called private-money lenders or...
By Jan B. Brzeski, managing director and chief investment officer, Arixa Capital Advisors LLC and Crosswind Financial

Commercial | December 2018 
Join the Industrial Revolution
Today’s industrial real estate debt markets are robust for experienced borrowers with institutional partners, as well as for individual borrowers who are just beginning to grow their portfolios. Indus...
By Jonathan Pharris, co-founder and president, CapRock Partners

Residential | December 2018 
The Interest Rate Shouldn’t Be the End of the Discussion
When real estate investors shop for financing, the interest rate is almost always a key consideration. Similarly, originators often tout the interest rate as a selling point of the loans they offer. ...
By Robert Greenberg, chief marketing officer, Patch of Land


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